Georgiou Law, PLLC Podcast

Efstathios Georgiou
  • 5.0 (3)
  • EDUCATION
  • SERIES

 Georgiou Law, PLLC is a New York–based consumer law firm founded by former bank attorney Efstathios Georgiou. The firm is dedicated to defending individuals against credit card lawsuits, abusive debt collection practices, and errors in credit reporting. With a strong focus on fairness, transparency, and access to justice, Georgiou Law provides flat-fee legal services and custom debt relief strategies tailored to each client’s needs. Known for its slogan “Clear Your Debt, Claim Your Future” the firm combines legal expertise with compassion to help New Yorkers reclaim their financial future. 

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  1. EPISODE 1

    The January Financial Hangover: How Missed Payments Turn Into Lawsuits

    Send us a text This episode from Georgiou Law explains how January is a critical month for consumers with credit card debt. After the holiday season, creditors and debt collectors closely monitor accounts for missed payments, which can quickly escalate into lawsuits if ignored. The episode highlights that ignoring creditor communications increases the risk of legal action, but acting early in January—by communicating, documenting hardship, and seeking legal advice—can help prevent lawsuits and reduce financial stress.

    5 min

  2. EPISODE 2

    Who Really Owns Your Debt? The Truth About Debt Buyers and Lawsuits

    Send us a text Many credit card lawsuits are not brought by your original bank, but by debt buyers who purchased alleged debts for pennies on the dollar. This episode explains how and why banks sell charged-off accounts, what debt buyers actually receive when they buy a debt, and why their cases often rely on consumers failing to respond. Learn how forcing proof—rather than defaulting—can dramatically change the outcome of a debt buyer lawsuit and create real leverage to defend, dismiss, or settle the case on favorable terms.

    6 min

  3. EPISODE 3

    Why Ignoring a Summons Is the Most Expensive Decision You Can Make

    Send us a text In this episode of Clear Your Debt, Claim Your Future, attorney Efstathios Georgiou explains why ignoring a summons and complaint is one of the most expensive mistakes a consumer can make when facing debt collection. He clarifies that a summons is not a collection letter—it is the formal start of a lawsuit—and in New York, consumers typically have only 20 to 30 days to respond. He explains that failing to answer allows creditors to obtain a default judgment without proving their case, which can lead to frozen bank accounts, wage garnishments, and long-lasting property liens. Many people ignore summonses out of fear or because they feel overwhelmed, but creditors rely on that inaction. The episode stresses that filing a simple answer preserves your rights, forces the creditor to prove their claim, and often creates leverage to negotiate a better settlement. Efstathios Georgiou reminds listeners that responding early is far easier than trying to undo a judgment later, and invites anyone who has been served with legal papers to call for a free consultation at (917) 764-3072.

    8 min

  4. EPISODE 4

    How Interest Quietly Turns Credit Card Debt Into a Lawsuit

    Send us a text In this episode of Clear Your Debt, Claim Your Future, Attorney Efstathios Georgiou explains how interest—not spending—is often the real engine behind credit card lawsuits. Interest does not arrive with a summons, but it quietly transforms manageable balances into unpayable debt. Credit card interest is daily compounded, not simple, and once an account becomes delinquent, penalty APRs, fees, and canceled promotions can cause balances to grow rapidly—even without new charges. Minimum payments often barely cover interest, creating the illusion of control while balances remain inflated for years. This episode explains: How compound interest accelerates debt after missed paymentsWhy minimum payments fail to reduce principalHow interest and fees inflate lawsuit amounts beyond what consumers recognizeWhy higher balances motivate creditors to file lawsuitsWhen interest becomes a legal vulnerability due to missing contracts, unclear calculations, or incomplete recordsHow challenging interest calculations can create leverage for dismissal or settlementDoing nothing allows inflated balances to harden into judgments where interest may continue to accrue. Legal defense is about requiring proof—forcing creditors to justify every dollar they claim. If interest has turned your credit card debt into a lawsuit, judgment, or financial risk, you still have options. 📞 Call (917) 764-3072 for a free case review. Clear Your Debt, Claim Your Future.

    9 min

  5. EPISODE 5

    The First Mistake People Make After They Get Served — And Why It Costs Them Everything

    Send us a text The first mistake most people make after being served with a lawsuit isn’t ignoring the papers — it’s picking up the phone too fast. In the first 24 hours, fear and urgency take over. People call the creditor’s law firm, thinking they’re being responsible, just “getting information,” or trying to calm the situation. In reality, that call is not neutral. It’s the moment leverage quietly starts slipping away. When you contact the other side before understanding the rules of the game, you’re speaking to trained professionals whose job is to strengthen their case — not protect you. Every detail you share, even casually, reduces uncertainty. And in litigation, uncertainty is leverage. Honesty without strategy becomes exposure. Early settlement talk often backfires, signaling urgency and willingness that strengthen the plaintiff’s position rather than yours. Litigation isn’t about silence versus cooperation — it’s about sequence. Who speaks first, what’s demanded first, and what’s preserved matters more than people realize. The correct first move after being served isn’t communication. It’s an assessment. Understand who is suing you, what they must prove, and what defenses may exist before you say a word. If you’ve been served with a lawsuit, your first move can determine the outcome. Call Georgiou Law at (917) 764-3072 or visit www.georgioulawpllc.com before you make a costly mistake. Clear your debt. Claim your future.

    5 min
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Ratings & Reviews

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About

 Georgiou Law, PLLC is a New York–based consumer law firm founded by former bank attorney Efstathios Georgiou. The firm is dedicated to defending individuals against credit card lawsuits, abusive debt collection practices, and errors in credit reporting. With a strong focus on fairness, transparency, and access to justice, Georgiou Law provides flat-fee legal services and custom debt relief strategies tailored to each client’s needs. Known for its slogan “Clear Your Debt, Claim Your Future” the firm combines legal expertise with compassion to help New Yorkers reclaim their financial future. 

Information

  • Creator
    Efstathios Georgiou
  • Episodes
    26
  • Seasons
    2
  • Rating
    Clean
  • Copyright
    © 2026 Georgiou Law, PLLC Podcast
  • Show Website
    Georgiou Law, PLLC Podcast